When you say risk deferment, which type of risk are you discussing specifically?

I see cryptocurrency use as being largely automated and transparent to the consumer in future. I think Bitcoin may have a place, but other more popular systems will provide solutions to many of its more gaping issues (rapid local settlement suitable for point of sale, complexity of implementation, lack of chargeback/cancellation channels, initial counterparty trust bootstrap, reputation management, etc.)

I started having a think about how these might come together over here ... comments/thoughts/collaboration welcome. http://ifex-project.org/